Lance Morgan Seattle Mortgage Broker

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Lance Morgan | Mortgage Broker

Smarter Home Financing. Faster Answers. Bigger Savings.

Why Work With Me (Beyond “What’s your rate?”)

24+ Years, All Market Cycles:

I’ve helped buyers navigate wild markets for over two decades. I spot patterns, structure smarter offers, and think way outside the box. I own my branch and run my business centered around YOU—solid advice, education, and accuracy are the cornerstone of my success.

Strategic, Not Just Quotes:

I help you build the right real estate team (agent + lender) and coach you on how to buy in this market. After closing, I professionally manage your loan and stay in your corner with:

❇️ Mortgage insurance removal strategies

❇️ A.I.-driven Rate Alert Tracker for refinance opportunities and long-term savings

❇️ Ongoing mortgage management, not “one-and-done” lending

Data Package (DP):

My proprietary Data Package is a powerful toolkit to:

❇️ Evaluate opportunities

❇️ Compare payment and cash-to-close scenarios

❇️Prepare winning offers with real numbers

Wholesale Advantage:

I work in the wholesale marketplace, where lower-priced home loans and a diverse range of products are available. That means more options and often better pricing than traditional retail lenders. Roughly 70% of the mortgage marketplace is retail—wholesale is my niche and your edge.

Fast, Responsive, Strategic

I answer quickly and structure smarter deals to save you money.

The Wholesale Difference

🚫 Don’t Be Fooled — Over 70% of lenders today are retail. Many call themselves “brokers” while operating under a correspondent model.


That means they “broker” only when they don’t have the right product — not when there’s a lower price elsewhere.


As a true wholesale mortgage broker, I shop multiple lenders for BOTH product and pricing — making wholesale the most cost-effective way to finance your home.

Urgent?

📞 If you need a response within 20 minutes, call me directly.
If I’m in a meeting, I’ll check voicemail first and get back to you fast.

How We'll Work Together (Concise + Exclusive)

1. Introduction Call (15–30 min): Your goals, comfort budget, timeline — plus exactly which docs to gather so we can move fast.

2. Apply Online - Hit the button below. It’s quick, guided, and you’ll know what’s next immediately.

3. Fast Pre-Approval

(1–3 days after docs)

We verify, calibrate your price/payment targets, and finalize your letter.

Closings as little as 8-14 days! 🚀

Welcome to Niche Central

Self-Employed or Complex Income? No Problem.

I specialize in options built for real life:

Bank statement loans – no problem

Asset-based loans – no problem

We’ll use your true financial picture, not just what fits inside a narrow underwriting box.

Stuck With a 2–3% Rate But Need to Move?

If you have a rate in the low 2’s or 3’s and feel stuck, I’ll show you:

❇️ How to buy your next home without wrecking your plan

❇️ How to compare “stay vs. move” with real numbers

❇️ Creative ways to structure offers in today’s market

You’re not as trapped as you might think.

Need to Buy Before You Sell? (Bridge & Equity Solutions)

If you’ve found the right home but haven’t sold your current one yet, you don’t have to panic—or fire-sale your house.

I can help you:

❇️ Use a bridge loan or equity solution to buy first, sell second

❇️ Structure payments so you’re not crushed carrying two homes

❇️ Time your financing and sale so you’re not rushed or exposed

❇️ Compare “sell now vs. sell later” with real numbers, not guesses

You don’t have to choose between missing out on the new home or rushing the sale of your current one.

Investors Need Creative Qualification? (DSCR & Beyond)

If you’re an investor, you know traditional W-2 style underwriting doesn’t always tell the whole story. That’s where I come in.

I work with:

❇️ DSCR loans (Debt Service Coverage Ratio) where the rent, not your job, does the talking

❇️ Portfolios with multiple properties, LLCs, and complex structures

❇️ Investors who need speed, strategy, and clear cash-flow math

Whether you’re house-hacking, adding doors, or scaling a portfolio, I’ll help you structure financing that actually matches your investment strategy—not just your tax return.

Google Review

NMLS #135622

Lance Morgan | Mortgage Broker (WA & OR)
NMLS #742281 | C2 Financial Corporation #135622

Fast, Responsive, Strategic Home Loans

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